Not having the right documents will prevent drivers from getting coverage. This is one major mistake which can be easily avoided. Make a call and ask what documents to bring. Drivers should prepare the car's papers and provide them it when asked. Furthermore, bring proof of homeownership, graduating defensive/refresher courses, receipts for custom parts, VIN number and other documents needed to provide coverage and discounts.

Buying coverage without fully understanding the terms of the contract is another big mistake. Carefully read each page of the contract and require additional explanations.

It is recommended to get quotes before negotiations. Compare prices from multiple carriers and determine the average value. Now it is easy and fast to get online quotes. It only takes several minutes.

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